NO LOAN IS TOO COMPLEX.

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1 NO LOAN IS TOO COMPLEX. With creative loan ideas and tools that work, Gloria and her team will get your deal done. We re experts for self-employed borrowers with multiple entities. We offer a wide range of loan products. Gloria has over 30 years of success and closed more than 1 Billion Dollars in funded loans. Let us run your What If scenarios. CenTek CAPITAL GROUP Mortgage Bankers & Brokers FINANCING FOR MILLENNIALS DOWN PAYMENT GIFT OR NON-OCCUPANT CO-BORROWER FOR QUALFYING PURPOSES SELF-EMPLOYED 1 YEAR TAX RETURNS FOR QUALIFYING OR 12 MONTHS BANK STATEMENTS VERY AGGRESSIVE LOAN TO VALUE PROGRAMS COMMERCIAL FINANCING ALL TYPES AND PRICE POINTS INCLUDING SBA Gloria Shulman Legendary Lending Expertise 9100 WILSHIRE BLVD. #275E, BEVERLY HILLS, / GLORIA@CENTEK.com / / NMLS

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4 DAN MILLSTONE JONATHAN O DONNELL STEVE ECKHOFF ERIC SINGER BUDDY EPSTEIN CHRISTIAN CRANDALL SR. LOAN OFFICER SR. LOAN OFFICER SR. LOAN OFFICER SR. LOAN OFFICER SR. LOAN OFFICER SR. LOAN OFFICER X3513 Our new Santa Monica team has a combination of over 100 years of experience in the mortgage industry. We are excited to welcome them as the newest members of our PERL Mortgage family. A+ RATING FROM BBB TOP 100 LENDERS IN THE NATION (SCOTSMAN GUIDE) RANKED #7 BEST PLACES TO WORK (CHICAGO TRIBUNE) TOP OVERALL VOLUME #62 NATIONALLY (MORTGAGE EXECUTIVE) 23 YEARS IN BUSINESS CUTTING EDGE TECHNOLOGY INNOVATIVE MARKETING TEAM ACCESSIBLE LEADERSHIP INDUSTRY LEADING COMPENSATION BEST-IN-CLASS LOAN OFFICER SUPPORT PERL Mortgage, Inc is an Illinois residential mortgage licensee (MB ) and equal housing lender. Licensed by the California Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #19186, California License # Licensed by the Department of Business Oversight under California Residential Mortgage Lending Act

5 Mark Cohen #1 ORIGINATOR NATIONWIDE* 2015 DEAL BRE AKERS. We are the industry s top mortgage professionals getting more complex deals done than anyone else. Custom-Fit Solutions A unique and personalized approach to every situation including self-employed, high-net-worth, and foreign borrowers. Relationship-Based Client Experience The highest reputation in the industry with excellent rapport with Sellers Agents. Quick Closures Direct channel to banks executives for quicker approvals and unmatched professional expertise to get deals done. $10 Billion LOANS FUNDED 18,000 Transparency & Communication LOANS CLOSED Throughout The Entire Process Consistent execution on all loans with no surprises. 30+ YEARS EXPERIENCE Sasan Abrams sabrams@cohenfinancialgroup.com BRE NMLS Originator Specializing in Multi-Family & New Development cohenfinancialgroup.com P F *By dollar volume in 2015, Scotsman Guide, April Cohen Financial Group, a division of CS Financial, Inc. All rights reserved. Not all applicants will qualify. CS Financial, Inc. is a real estate broker licensed by the CA Bureau of Real Estate, lic# , NMLS# Equal housing lender.

6 A6 TUESDAY, MARCH 6, 2018 THE MLS BROKER CARAVAN MLSPush : A New FREE REALTOR Member Benefit REALTOR members can now make an offer from the Agent Detail Full Report of the MLS system! It s as simple as a few clicks. Questions? Call our Help Desk at (310) themlsclaw themlsofchoice themlsofchoice The MLS themlstrainer

7 THE MLS BROKER CARAVAN TUESDAY, MARCH 6, 2018 A7 AS SEEN IN THE Banks like simple loans. We like complex ones. Self-employed Real Estate Investors Retirees 1031 Exchange OK No Tax Return Loans 1 Foreign National Loans 1 From $500K to $25M Irrevocable Trust, Blind Trust, LLC, & Limited Partnership Vesting OK. Purchase or Refinance. Business Funds Allowed % APR % 3/1 Adjustable Rate Mortgage $500,000 - $4,500,000 70% LTV 1st Lien Loans % % APR 5/1 Adjustable Rate Mortgage $500,000 - $4,500,000 70% LTV 1st Lien Loans Sampling of rates as of February 28, Wilshire Blvd. #205, Beverly Hills, CA CHRIS FURIE BRE NMLS chris@insigniamortgage.com DAMON GERMANIDES BRE NMLS damon@insigniamortgage.com 2018 Insignia Mortgage, Inc. (1) Not all applicants will qualify. Minimum FICO, reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change without notice. Loan values (LTV) are based on bank appraisal. Actual closing time will vary based on borrower qualifications and loan terms. Insignia Mortgage, Inc., is a real estate broker licensed by the CA Bureau of Real Estate, BRE # , NMLS # (2) With an interest-only mortgage payment, you will not pay down the loan s principal balance during the interest-only period. Once the interest-only period ends, your payment will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your Insignia Mortgage, Inc. loan officer to determine what your payments might be once the interest-only period ends.

8 Home Loans are a Puzzle You need a local mortgage expert to help you fit the right pieces together. Works directly with you as well as your client Stellar support staff, always keeping buyers informed and engaged in every transaction No deal is too easy or too complicated A true partner you can count on for all your escrows Let me put all the pieces together on your next sale. HomeBridge Financial Services proudly presents Your local mortgage expert in the Los Angeles area Follow us on social media: Mike Hartunian Vice President Mortgage Loan Originator NMLS# Direct: (818) mike.hartunian@homebridge.com Rev ( ) This is a business-to-business communication provided for use by mortgage professionals only and is not intended for distribution to consumers or other third parties. It is not an advertisement; as such term is defined in Section of Regulation Z. HomeBridge Financial Services, Inc. 194 Wood Avenue South, 9th Floor, Iselin, NJ Corporate NMLS #6521.

9 THE MLS BROKER CARAVAN TUESDAY, MARCH 6, 2018 A9 We ve been in the same Beverly Hills location for 25 years and are looking forward to serving you for the next 25! Mary Bension Co-Owner & Escrow Manager Mireya Roudenko Sr. Escrow Officer Michael Farfel Escrow Officer Kilita Smith Sr. Escrow Officer Luz Lopez Escrow Officer Beth L. Peerce Co-Owner The Independent Escrow Company with the Best Service in Town 9454 Wilshire Boulevard Suite 901 Beverly Hills, California (310)

10 The Sally Forster Jones Group is hiring! Be a part of the leading luxury estates team in Beverly Hills as we continue to grow. We are looking to interview for: an experienced LISTING DIRECTOR, two INTERNS (must be licensed), and seasoned AGENTS. Please send your resume to JOBS@SFJGROUP.COM with the subject line JOBS: [POSITION NAME] Compass is a licensed real estate broker ( ) in the State of California and abides by Equal Housing Opportunity laws. All material presented herein is intended for informational purposes only. Information is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdraw without notice. To reach the Compass main office call CalBRE

11 GUARANTEED RATE IS PROUD TO ANNOUNCE: Francesco is once again a Top 1% Producer in the nation Source: Mortgage Executive Magazine s 2015, 2016 & 2017 Top 1% Mortgage Originators list Francesco showed me the value of going through a broker. He ultimately got me a better deal through my own bank than I could have gotten through them directly! The proof was in the final numbers. Cody A, Beverly Hills Partner with a top Producer and contact Francesco. Francesco Foggia Vice President of Mortgage Lending Wilshire Blvd, Ste 350 Los Angeles, CA Office: (424) Cell: (310) Francesco.Foggia@Rate.com Rate.com/FF NMLS ID: ; CA - CA-DBO NMLS ID #2611 (Nationwide Mortgage Licensing System CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #

12 A12 TUESDAY, MARCH 6, 2018 THE MLS BROKER CARAVAN at BHGLAAR School Learn About The NEW MLS System Launching This Year Beverly Hills / Greater Los Angeles Association of REALTORS 6330 San Vicente Boulevard, #100 Los Angeles, CA Thursday, March 1 Friday, March 9 Wednesday, March 28 All classes run from 10:00 AM to 12:00 PM Space is limited! Please bring your laptop. Register at vestaplusschool.eventbrite.com Questions? Call or marketing@themls.com

13 Flex Power A GUARANTEED RATE JUMBO LOAN PROGRAM 10% down payment options on loans up to $3 million Interest only mortgage options up to $3M with 15% down Non-warrantable condo options up to $2M with 20% down 2-unit property options up to $2M with 20% down No private mortgage insurance (PMI) Do your clients qualify? Minimum FICO score requirements vary As little as six months of reserves required Contact us today to learn more about Flex Power. Joe Parisi (818) Joe.Parisi@rate.com NMLS ID: ; CA - CA-DOC Joey Parisi O: (747) C: (818) Joey.Parisi@rate.com NMLS# , CA - CA-DBO Jonathan Kim O: (747) C: (818) Jon.Kim@rate.com NMLS ID: ; CA - CA-DBO Calabasas Road, Suites 230 & 33, Calabasas, CA NMLS ID #2611 (Nationwide Mortgage Licensing System CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic # *30-year fixed rate or 7/1 ARM loan products only. 43% debt-to-income (DTI) required. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and visit for more information.

14 A14 TUESDAY, MARCH 6, 2018 THE MLS BROKER CARAVAN Day 1: March 7, 2018 Day 2: March 8, :00am - 4:30pm BH/GLAAR 6330 San Vicente Blvd. Suite 100 Los Angeles, CA Registration Fee: $299 Register Online at: PARKING VALIDATION NOT INCLUDED Cancellation/No Show Policy: All cancellations for courses must be received no less than 24 hours prior to the course start date. Cancellations may be made via , mail, phone or fax. Upon proper notification of cancellation your account will be credited in the amount of the course. Credits may be applied to future education courses.

15 THE MLS BROKER CARAVAN TUESDAY, MARCH 6, 2018 A15 BH/GLAAR Young Professionals Network Please join the BH/GLAAR YPN for our monthly Fundraising Network Mixers. Come and enjoy a drink and some food while networking with like-minded real estate professionals throughout the Los Angeles area. We will have a sponsored door prizes each month. All monies from door prize ticket sales will benefit the BH/GLAAR Charitable Foundation.

16 Sam Batayneh, LA s JUMBO Mortgage Expert Top 200 (#113) Mortgage Originators in America 2016* Residential JUMBO loans up to 20 million Commercial, construction, and apartment loans Expert in retail bank turn downs due to large loan amounts and complex underwriting situations My team Heather Christensen Sales Assistant (424) heather.christensen@rate.com Tyler von der Lieth Sales Assistant (424) tyler.vonderlieth@rate.com Dawn Huml Sales Assistant (424) dawn.huml@rate.com Lori Nugen Sales Assistant (310) lori.nugen@rate.com Wilshire Blvd, Ste 350, Los Angeles, CA Visit rate.com/samb to get started today! Sam Batayneh SVP of Mortgage Lending O: (310) C: (310) SamB@rate.com Sam Batayneh NMLS ID: , CA - CA-DOC NMLS ID #2611 (Nationwide Mortgage Licensing System CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic # *Source: Sam Batayneh ranked 113in Mortgage Executive Magazine s 2016 Top 200 Mortgage Originators in America list